Westpac

Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA, Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.

Westpac publishes 9 API contracts indexed on the APIs.io network, including Banking Corporation Banking Account Balances API, Banking Corporation Banking Account Direct Debits API, Banking Corporation Banking Account Scheduled Payments API, and 6 more. Tagged areas include Finance, Banks, Open Banking, CDR, and Consumer Banking.

Westpac’s developer surface includes engineering blog, documentation, authentication, changelog, sandbox, getting-started guide, API reference, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.5/100 developing ▬ flat Agent 22/100 agent aware Front door AI 3/6 light saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

AccessOpen

1 published contract

Finance Banks Open Banking CDR Consumer Banking Australia Product Reference Data ADI

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Banking Account Direct DebitsBanking Account Scheduled Payments

GET /banking/accounts/{accountId}/payments/scheduled GET /banking/accounts/{accountId}/direct-debits

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 46.5/100 · developing

Contract Quality 9.0 / 19

Developer Ergonomics 9.2 / 15

Access Clarity 6.3 / 15

Operational Transparency 2.8 / 10

Contract Governance 0.4 / 9

Discoverability 5.5 / 8

Regulatory Posture 6.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/westpac: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Gulf and Southeast Asia Open Finance	regulated	55.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Westpac PayWay REST API

First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST API v1 processes real-time credit-card and bank-account payments, re...

Westpac QuickStream REST API

First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST API v1 exposes Transactions, Customers, Accounts, Credit Cards, Re...

Westpac Banking Corporation Banking Account Balances API

Banking Account Balance endpoints

Westpac Banking Corporation Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Westpac Banking Corporation Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Westpac Banking Corporation Banking Account Transactions API

Banking Account Transaction endpoints

Westpac Banking Corporation Banking Accounts API

Banking Account endpoints

Westpac Banking Corporation Banking Payees API

Banking Payee endpoints

Westpac Banking Corporation Banking Products API

Banking Product endpoints

Scroll for all 9

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 8

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Westpac Cds Banking Products Overlay

4 actions · update · westpac-cds-banking-openapi.yml

UNRECORDED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Westpac Authentication

0 schemes

SECURITY

Westpac Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Westpac Vulnerability Disclosure

Bugcrowd

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Components

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

DeclineCodes

DeclineCodes

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Security

Authentication

Compliance

Operate 1

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Blog

Blog

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: westpac
url: https://raw.githubusercontent.com/api-evangelist/westpac/refs/heads/main/apis.yml
name: Westpac
kind: company
description: Westpac Banking Corporation is Australia's oldest bank and company, founded in 1817 as the Bank of New South
  Wales, and is one of the country's "Big Four" banks. Headquartered in Sydney, it is a publicly listed company on the Australian
  Securities Exchange (ASX:WBC), not a customer-owned mutual, and operates a multi-brand group that includes St.George, BankSA,
  Bank of Melbourne, and RAMS. As an authorised deposit-taking institution (ADI) regulated by APRA, Westpac is a designated
  data holder under Australia's Consumer Data Right (CDR / Open Banking) regime and exposes a public, unauthenticated Product
  Reference Data (PRD) API conforming to the DSB Consumer Data Standards. Consumer and account data sharing beyond product
  reference data is available only to accredited data recipients through the CDR's authenticated, consent-driven channels.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  label: Open access
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/westpac.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Product Reference Data
- ADI
created: '2026-07-20'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: westpac:westpac-payway-rest-api
  name: Westpac PayWay REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.payway.com.au/docs/rest.html
  baseURL: https://api.payway.com.au/rest/v1
  properties:
  - url: https://www.payway.com.au/docs/rest.html
    type: Documentation
  - url: https://www.payway.com.au/docs/api-developers-guide/
    type: GettingStarted
  - url: https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway-api/
    type: SignUp
  description: First-party Westpac payment API (beyond CDR). PayWay is Westpac's merchant payment platform; its public REST
    API v1 processes real-time credit-card and bank-account payments, refunds, pre-authorisations and captures, plus a customer
    vault, single-use tokens, EMV 3-D Secure authentication, bulk payment files, surcharges and merchant configuration. Uses
    HTTP Basic auth with a publishable or secret API key over TLS 1.2+ at api.payway.com.au/rest/v1. Fully documented publicly
    but NO downloadable OpenAPI/Swagger is published (reference docs and Postman-based exploration only), so no machine-readable
    spec is wired.
- aid: westpac:westpac-quickstream-rest-api
  name: Westpac QuickStream REST API
  tags:
  - Payments
  - Card Payments
  - Payment Gateway
  - Merchants
  - Australia
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
  baseURL: https://api.quickstream.westpac.com.au/rest/v1
  properties:
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
    type: Documentation
  - url: https://quickstream.westpac.com.au/docs/
    type: GettingStarted
  - url: https://quickstream.westpac.com.au/docs/quickstreamapi/change-log/
    type: ChangeLog
  description: First-party Westpac payment API (beyond CDR). QuickStream is Westpac's online payment gateway; its public REST
    API v1 exposes Transactions, Customers, Accounts, Credit Cards, Recurring Payments, PayIDs, Single-Use-Tokens, Payment
    Files, PayTo Agreements, Businesses and API Keys resources for card and account payment processing. Uses HTTP Basic auth
    with a secret or publishable API key at api.quickstream.westpac.com.au/rest/v1 (test host api.quickstream.support.qvalent.com).
    Fully documented publicly but NO downloadable OpenAPI/Swagger is published (reference docs and Postman-based exploration
    only), so no machine-readable spec is wired.
- aid: westpac:westpac-banking-account-balances-api
  name: Westpac Banking Corporation Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-direct-debits-api
  name: Westpac Banking Corporation Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-scheduled-payments-api
  name: Westpac Banking Corporation Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-account-transactions-api
  name: Westpac Banking Corporation Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-accounts-api
  name: Westpac Banking Corporation Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-payees-api
  name: Westpac Banking Corporation Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- aid: westpac:westpac-banking-products-api
  name: Westpac Banking Corporation Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  baseURL: https://digital-api.westpac.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/westpac-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/
  - type: Documentation
    url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
common:
- url: https://www.westpac.com.au/news/
  type: Blog
- type: CapabilityMap
  url: capabilities/westpac-capability-edges.yml
  name: Westpac Banking Corporation Business Capability Map
- type: VulnerabilityDisclosure
  url: security/westpac-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/westpac-domain-security.yml
- type: Website
  url: https://www.westpac.com.au/
- type: DeveloperPortal
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/
- type: Documentation
  url: https://www.westpac.com.au/about-westpac/innovation/open-banking/product-api/
- type: GitHubOrganization
  url: https://github.com/westpac
- type: LinkedIn
  url: https://www.linkedin.com/company/westpac
- type: PrivacyPolicy
  url: https://www.westpac.com.au/privacy/privacy-statement/
- type: TermsOfService
  url: https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/WBC_CDR_Policy.pdf
- type: Security
  url: https://www.westpac.com.au/security/how-to-report/responsible-disclosure.html
- type: Authentication
  url: authentication/westpac-authentication.yml
- type: Conventions
  url: conventions/westpac-conventions.yml
- type: ErrorCatalog
  url: errors/westpac-problem-types.yml
- type: Lifecycle
  url: lifecycle/westpac-lifecycle.yml
- type: Conformance
  url: conformance/westpac-conformance.yml
- type: DataModel
  url: data-model/westpac-data-model.yml
- type: Overlay
  url: overlays/westpac-cds-banking-products-overlay.yaml
- type: X-MCPServerCandidate
  url: mcp/westpac-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/westpac-browse-products.md
- type: LLMsTxt
  url: llms/westpac-llms.txt
- type: ChangeLog
  url: changelog/westpac-quickstream-changelog.yml
- type: Sandbox
  url: sandbox/westpac-sandbox.yml
- type: Components
  url: components/westpac-components.yml
- type: DeclineCodes
  url: errors/westpac-decline-codes.yml
- type: Compliance
  url: https://quickstream.westpac.com.au/docs/general/pci-compliance/
- type: GettingStarted
  url: https://quickstream.westpac.com.au/docs/
- type: APIReference
  url: https://quickstream.westpac.com.au/docs/quickstreamapi/v1/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-legal-name: Westpac Banking Corporation

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